BNPL Undisclosed Late Fees / Interest Charges
Buy-Now-Pay-Later provider charged late fees or interest not clearly disclosed at checkout, or applied fees retroactively.
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Legal Basis in the Philippines
- • RA 3765 (Truth in Lending Act) — all fees and charges must be disclosed before the transaction
- • BSP Circular 1133 (2021) — caps on interest and fees apply to BNPL products supervised by BSP
- • RA 7394 §52 (Consumer Act) — price labeling requirements; undisclosed surcharges are unlawful
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Relevant guides
All guides →Step-by-step, with the exact BSP intake channels
How to file a BSP consumer complaint — online and on paper
Step-by-step guide to filing a complaint with the Bangko Sentral ng Pilipinas — BSP Online Buddy, consumer email, and the paper Consumer Assistance Mechanism form.
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Common questions
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